Terms of Use

Acceptance of Terms

IncomeWize, LLC. ("IncomeWize") provides this website at IncomeWize.com (referred to hereafter as "Website") for anyone with browser access to the Internet. There is no monetary charge nor registration requirement for using this Website to do your personal retirement planning. By using the Website in any way, you are agreeing to comply with the Terms of Use. Should you object to any term or condition of the Terms of Use or any guideline of the Website, your only recourse is to immediately discontinue use of the Website.

Changes to the Terms of Use

We reserve the right, at our sole discretion, to change, modify, or alter the Terms of Use at any time. Such changes shall become effective immediately upon the posting thereof. The most current version of the Terms of Use will be linked from the footer of the Website. You must review the Terms of Use on a regular basis to keep yourself apprised of any changes.

Information Disclosure

All data and Information is provided "as is" and the Information is intended solely as general information for educational and entertainment purposes only and is neither professional advice nor a substitute for other professional advice and services from qualified financial services providers familiar with your financial situation. Decisions based on Information contained within the Website are your sole responsibility. Always seek the advice of your financial advisor or other qualified financial services provider. The Information is provided with the understanding that IncomeWize is not engaged in rendering professional services or advice. IncomeWize assumes no responsibility for any consequences relating directly or indirectly to any action or inaction you take based on the Information or other material on the Website. IncomeWize does not guarantee or certify the accuracy, completeness, or timeliness of the Information made available through the Website. You agree that IncomeWize shall not be liable in any way for the accuracy, completeness, or timeliness of the Information, or for any decision made or action taken by you relying upon the Information.

Conduct

You agree not to post any text, files, images, video, audio, or other materials ("Content") or use the Website in any way that:

infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any party;
violates any state, federal, or other law;
threatens, harasses, or is libelous;
is harmful to minors;
contains self-benefiting advertising or marketing in public areas of the Website that have not been paid for and are not designated for the addition of promotional content;
produces Software viruses or code harmful to other computers;
disrupts the normal dialogue of users of the Website;
employs misleading or false information;
uses forged headers or other items to manipulate identifiers in order to disguise the origin of Content.

You agree not to decompile or reverse engineer or otherwise attempt to discover any source code contained in the Website. Unless you receive explicit permission, you agree not to reproduce, duplicate, copy, sell, resell, or exploit for any commercial purposes, any aspect of the Website.

Privacy

Please review our Privacy Policy for details on the collection, disclosure, and use of personally identifiable information and privacy matters. Use of the Website is based on your agreement to the Privacy Policy and Terms of Use.

Content

This Website contains links to other resources on the Internet. Such links are provided as aids to assist you in identifying and locating other Internet resources that may be of interest to you, and are not intended to state or imply that IncomeWize sponsors, endorses, are affiliated or associated with, or are legally authorized to use any trade name, registered trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in said links.

If you find information or calculation results on the Website that you believe to be in error, please contact us with the specifics and we will investigate and correct the error where possible. Thus, by using this Website you are accepting responsibility for reporting all anomalies to IncomeWize. User detection and reporting of anomalies is a vital part of finding and correcting errors.

Limitations and Termination

IncomeWize may create limitations of your use of this Website including, but not limited to, the number of times you may access the Website. Limitations can include full termination of your access to the Website and you agree that IncomeWize has the right at any time, in its sole discretion, with or without notice, to modify or discontinue the Website (or any part thereof).

Warranty Disclaimer

THE INFORMATION PROVIDED THROUGH THE WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE." YOU AGREE THAT YOUR USE OF THE WEBSITE SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, INCOMEWIZE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF. INCOMEWIZE MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, ADEQUACY, TIMELINESS, OR COMPLETENESS OF THIS WEBSITE'S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS WEBSITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, OMISSIONS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE WEBSITE, (III) ANY INTERRUPTION, DELAY OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE, (IV) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE.

Limitation of Liability

IN NO EVENT SHALL INCOMEWIZE, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE WEBSITE, (III) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE WEBSITE, (IV) ANY ERRORS OR OMISSIONS IN ANY CONTENT, (VI) YOUR USE, OR INABILITY TO USE, ANY PORTION OF THE WEBSITE OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. THE WEBSITE IS CONTROLLED AND OFFERED BY INCOMEWIZE FROM ITS FACILITIES IN THE UNITED STATES OF AMERICA. INCOMEWIZE MAKES NO REPRESENTATIONS THAT THE WEBSITE IS APPROPRIATE OR AVAILABLE FOR USE IN OTHER COUNTRIES. THOSE WHO ACCESS OR USE THE WEBSITE FROM OTHER JURISDICTIONS DO SO AT THEIR OWN VOLITION AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAW.

Jurisdiction

The Terms of Use shall be governed by the laws of the State of Virginia without regard to its conflict of law provisions. You and IncomeWize agree to submit to the personal and exclusive jurisdiction of the courts located within the State of Virginia.

Partial Invalidity

If any provision of these Terms of Service is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Service, which shall remain in full force and effect.

Violation of Terms

You agree that monetary damages may not be a sufficient remedy for any breach of this Agreement and that IncomeWize shall be entitled, without waiving any other rights or remedies, to seek injunctive or equitable relief as may be deemed proper by a court of competent jurisdiction.

General

The Terms of Use constitute the entire agreement between you and IncomeWize and govern your use of the Website, superseding any prior agreements between you and IncomeWize.

Last Modified: May 17th, 2023